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Alcohol-induced obesity inflates protection rates

People who drink their way to obesity face increases of up to 75 per cent in protection premiums, warns Standard Life.

Research by OnePoll, conducted on behalf of the insurer, shows the average adult consumes around 155,000 calories each year in alcohol – equivalent to an extra day’s calories each week.

Protection marketing manager Mick James says: “The indirect financial impact of a growing nation can affect anything from your private medical insurance to life insurance and critical-illness insurance.

“These can all be far more expensive if you have a body mass index over the average for your height and age. In the worst-case scenario, you might be declined cover.”

Someone with a BMI over 30 is technically obese. Standard Life would typically charge an extra 75 per cent for life insurance for someone with a BMI between 32.6 and 35.

James says: “These numbers paint a stark picture of how Britain is heading towards alcohol-induced obesity. With clear links to diabetes, hypertension, heart attack and other cardiovascular conditions, obesity is of growing concern to public health.”

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